Terms of Service &
Privacy Policy

Effective Date: June 12, 2025

1. Introduction

Welcome to JupiterMortgage.co (“Jupiter Mortgage”), a Florida-based company. By using this website, you agree to be bound by these Terms of Service and Privacy Policy. If you do not agree, please do not use this website.

2. Nature of Services

Jupiter Mortgage is not a lender. This website provides informational content and facilitates connections between prospective borrowers and licensed mortgage professionals. Loan origination and funding are performed exclusively by licensed lenders and brokers.

3. Eligibility

You must be at least 18 years old to use this website or submit information.

4. Licensing & Operations

JupiterMortgage™ is a technology-powered mortgage assistance platform designed to simplify the home financing process. We work with licensed mortgage professionals and service providers where required. JupiterMortgage itself is not a lender, broker, or depository institution. All mortgage lending decisions, rates, and terms are provided by licensed lenders in accordance with applicable federal and state laws.

5. Legal Entity Disclosure

Jupiter Mortgage is a trade name of JupiterAI, Inc., a Florida-based corporation, and does not independently originate, underwrite, or fund mortgage loans.

6. Equal Housing Opportunity Disclosure

Jupiter Mortgage adheres to federal Equal Credit Opportunity Act (ECOA) and Fair Housing Act regulations. We do not discriminate against any applicant based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or exercise of consumer protection rights.

7. Fair Lending Statement

We support responsible lending practices and comply with all federal and state lending laws, including ECOA, FCRA, TILA, RESPA, and the Fair Housing Act.

8. Servicemembers Civil Relief Act (SCRA) Notice

Certain benefits may be available to qualified active-duty military borrowers under the Servicemembers Civil Relief Act. Borrowers should inquire with their lender regarding eligibility.

9. VA, FHA, USDA, and Conventional Program Eligibility

Availability of specific mortgage programs is subject to individual lender participation, borrower qualification, and applicable federal guidelines.

10. Foreign National Borrower Disclosure

Borrowers who are not U.S. citizens or permanent residents may be subject to additional eligibility and documentation requirements.

11. Fair Servicing Standards Disclosure

Loan servicing practices must comply with federal standards, including borrower protections for delinquency resolution and foreclosure prevention.

12. Application Withdrawal Disclosure

Borrowers may withdraw their mortgage loan application at any time prior to closing without penalty.

13. Pre-Qualification vs. Pre-Approval Disclaimer

Pre-qualification is not a commitment to lend. Full underwriting and verification are required for final loan approval.

14. Income and Employment Verification Disclosure

All mortgage applications are subject to full income and employment verification prior to underwriting approval.

15. Bankruptcy Disclosure

Previous bankruptcy may affect loan eligibility based on lender underwriting guidelines.

16. Self-Employed Borrower Disclosure

Self-employed borrowers may be required to submit additional tax returns and financial documentation.

17. Flood Hazard Disclosure

Properties located in flood zones may require flood insurance.

18. Title Insurance Disclosure

Title insurance may be required to protect against defects in title.

19. Homeownership Counseling Disclosure

First-time homebuyers may be required to complete HUD-approved counseling.

20. Appraisal Disclosure

Borrowers have the right to receive a copy of any appraisal used for underwriting.

21. Property Appraisal Independence Requirements (AIR) Disclosure

All appraisals are conducted independently per federal regulations.

22. Closing Disclosure Notice

Borrowers will receive a Closing Disclosure at least three business days prior to closing.

23. Escrow Disclosure

Escrow accounts for taxes and insurance will be fully disclosed in Loan Estimate and Closing Disclosure.

24. Loan Servicing Disclosure

Loan servicing may transfer to another institution. Borrowers will be notified in writing if this occurs.

25. Early Payoff Disclosure

Borrowers may pay off loans early without prepayment penalties unless otherwise disclosed.

26. Loan Estimate Accuracy Disclaimer

Loan Estimates are preliminary. Final terms will be reflected in Closing Disclosure.

27. Non-Agency Lending Disclaimer

Non-qualified mortgage products may carry additional risks and stricter underwriting.

28. Rate Lock Disclaimer

Rate locks are not guaranteed until confirmed in writing by the lender.

29. Truth in Advertising

All information is for informational purposes. Final loan terms are subject to change.

30. Advertising Fairness Disclosure

We strive for accuracy but reserve the right to correct advertising errors.

31. Mortgage Advertising Disclaimer

All rates, fees, and terms are subject to borrower qualifications and underwriting approval.

32. Affiliate Marketing Disclosure

We may work with affiliates for marketing or referral purposes, disclosed in accordance with RESPA.

33. Loan Originator Compensation Disclosure

Loan originators are compensated per federal regulations prohibiting steering or discriminatory pricing.

34. RESPA Affiliated Business Disclosure (if applicable)

All affiliated relationships will be fully disclosed as required by RESPA Section 8.

35. Privacy & Data Collection

We collect personal information you submit voluntarily and technical data automatically.

36. Data Usage

Your data is used to evaluate mortgage eligibility and to communicate services.

37. Cookies & Tracking

Cookies help optimize functionality and analytics. You may disable cookies in your browser.

38. Data Sharing

We share data only with authorized partners to facilitate services.

39. Identity Theft Protection Notice

We implement reasonable safeguards to protect against unauthorized access and identity theft.

40. Data Security

We maintain administrative, technical, and physical security safeguards.

41. Breach Notification Policy

You will be notified in accordance with law if any data breach occurs.

42. Record Retention Policy

Records are retained for no less than 5 years or as required by law.

43. Electronic Records Disclosure

Use of this site constitutes consent to electronic records and signatures under the ESIGN Act.

44. Electronic Funds Transfer Disclosur

Authorized payments or refunds may be processed via electronic funds transfer.

45. Consumer Authorization

By submitting information, you authorize Jupiter Mortgage and its partners to collect, share, and use your data for mortgage evaluation.

46. TCPA Consent & SMS Disclosures

You consent to receive phone calls, texts, and emails about your inquiry. Message and data rates may apply.

47. TCPA Prior Express Written Consent (PEWC) - SMS Messaging

By providing your contact information, you provide prior express written consent for us and our partners to contact you via automated dialers, prerecorded calls, text, or email for marketing or informational purposes related to mortgage products and services. Consent is not a condition of purchase.

JupiterMortage may use text messaging (SMS) to communicate with users who explicitly opt in to receive updates, alerts, support messages, or service-related notifications.

By submitting your phone number through our website or forms, you agree to receive recurring automated text messages at the number provided. Message and data rates may apply. Message frequency may vary. You may reply HELP for assistance or STOP to opt out at any time.

Your SMS opt-in data and consent will never be shared with third parties, except for our authorized message delivery platforms and aggregators (e.g., Salesmsg or telecommunications providers) who assist in message transmission.

Your phone number and any data collected through our SMS communications are stored securely and handled in accordance with:

• The Telephone Consumer Protection Act (TCPA)
• 10DLC registration compliance (U.S.)
• General Data Protection Regulation (GDPR - EU)

48. Do Not Call Registry Compliance

We honor all federal and state Do Not Call list requests.

49. Contact Recording Notice

Calls, emails, or messages may be recorded for quality and compliance.

50. Limited English Proficiency (LEP) Disclosure

Content is provided in English. Additional language services may not be available.

51. Federal and State Compliance (Master Disclosure)

We comply with federal and state mortgage, lending, advertising, telemarketing, and privacy laws.

52. State-Specific Disclosures

Certain state laws may grant additional rights related to data, privacy, and lending practices.

53. California Consumer Privacy Act (CCPA)

California residents have the right to request access, correction, deletion, or restriction of their personal information by contacting [email protected]

54. Fair Credit Reporting Act (FCRA) Authorization

You authorize participating lenders to access your credit report.

55. Credit Score Disclosure Notice

You have the right to receive a copy of your credit score from lenders.

56. Adverse Action Notice

If your application is denied, you will receive a written explanation in accordance with ECOA.

57. USA PATRIOT Act Disclosure

Identity verification is required under federal law to prevent fraud and terrorism financing.

58. Anti-Money Laundering (AML) Compliance

We comply with AML regulations under the Bank Secrecy Act.

59. Home Mortgage Disclosure Act (HMDA)

We report certain data for federal monitoring and fair lending compliance.

60. Fair Lending Complaint Process

You may file complaints with the CFPB or applicable state regulators if you believe you experienced discrimination.

61. Telemarketing Sales Rule (16 C.F.R. Part 310) Compliance

We comply with all federal telemarketing sales rule requirements for outbound calls and solicitations.

62. Accuracy of Information

You certify that all information submitted is true and accurate.

63. No Guarantee of Loan Approval

Submission of an inquiry does not guarantee loan approval or commitment.

64. No Legal, Tax, or Financial Advice

This website does not provide legal, tax, or financial advice. Consult appropriate professionals.

65. Limitation of Liability

We disclaim liability for damages or losses arising from use of this website or services.

66. Intellectual Property Protection

All website content and intellectual property are owned by JupiterAI, Inc.

67. Website Terms Subject to Revision

Website content and these terms may change at any time.

68. Notices & Modifications

We reserve the right to modify these terms by posting updated versions on this page.

69. Jurisdiction & Governing Law

These terms are governed by Florida law.

70. Contact Information

For inquiries, complaints, data requests, or subpoena delivery, contact:
JupiterAI Inc.
7901 4th St N #22635
St. Petersburg, FL 33702
United States
Email: [email protected]

71. Final Disclosure

The existence of this document does not imply any partnership, fiduciary duty, or legal guarantee of outcome...